2007 Chevrolet HHR Insurance Rates

Buyers have a choice when searching for the best price on Chevy HHR insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the quickest way to price shop coverage for your Chevy and find the best price possible.

You should take the time to compare prices every six months because auto insurance rates are rarely the same from one policy term to another. Even if you think you had the best rate for HHR insurance two years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best methods to find better coverage at a better price.

Finding insurance

Getting cheaper 2007 Chevy HHR insurance pricing is a fairly straight forward process. Consumers just need to take a few minutes comparing rate quotes to find out which insurance company has low cost insurance coverage quotes. This can be done using one of these methods.

1. Probably the best way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotes for each price estimate. In just a few minutes this one form gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.
2. A less efficient way to compare prices requires visiting the website for each individual company and go through the quote process again. For examples sake, let’s say you want rates from Liberty Mutual, State Farm and Progressive. In order to compare rates, you need to visit each site and enter your information, which is not fast way to get rate quotes.

   For a list of links to insurance companies in your area, click here.

How you compare quotes is your choice, just be certain you are entering the same coverages for each price quote. If you are comparing different liability limits it’s impossible to determine which rate is truly the best.

You may qualify for discounts

Insurance is not cheap nor is it fun to buy but there’s a good chance there are discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but some may not be applied and must be asked about before you get the savings.

• College Student Discount – living away from home attending college and do not take a car to college may be able to be covered for less.
• Defensive Driver – Taking a defensive driving course can save you 5% or more and make you a better driver.
• First Accident Forgiveness – Not a discount per se, but companies like Allstate, State Farm and Geico may permit one accident without raising rates if your claims history is clear before the accident.
• Membership in Organizations – Being in a qualifying organization could trigger savings on insurance.
• Own a Home – Owning a house can help you save on insurance because of the fact that having a home is proof of financial responsibility.
• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts could see savings as much as 30%.
• Discounts for New Vehicles – Buying a new car model can save up to 30% since new model year vehicles are generally safer.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
• Discounts for Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance policy can get a discount on all vehicles.
• Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

A few popular companies and some of their more popular discounts can be found below.

• Geico offers discounts for air bags, driver training, defensive driver, daytime running lights, anti-lock brakes, good student, and multi-vehicle.
• SAFECO may offer discounts for drive less, safe driver, anti-lock brakes, multi-car, teen safe driver, teen safety rewards, and anti-theft.
• State Farm includes discounts for driver’s education, passive restraint, accident-free, good student, Drive Safe & Save, anti-theft, and multiple policy.
• MetLife has savings for good student, defensive driver, multi-policy, good driver, claim-free, and accident-free.
• 21st Century discounts include student driver, defensive driver, teen driver, good student, early bird, air bags, and theft prevention.
• Progressive has discounts for multi-policy, good student, online signing, homeowner, and continuous coverage.

When getting free insurance coverage quotes, it’s a good idea to each company how you can save money. Savings might not apply in your area. To view providers who offer discounts, follow this link.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation would benefit from professional advice.

• Do I need replacement cost coverage on my 2007 Chevy HHR?
• Do I need rental car coverage?
• Is extra glass coverage worth it?
• Is my teenager covered with friends in the car?
• How much can I save by bundling my policies?
• Do I need higher collision deductibles?
• Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage basics

Learning about specific coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance – This provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like emergency aid, court costs, pain and suffering and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, damage from getting keyed, vandalism and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your HHR resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, hitting a mailbox, backing into a parked car, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses like nursing services, pain medications, dental work, chiropractic care and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Save for a rainy day

A few companies may not have the ability to get quotes online small insurance companies prefer to sell through independent insurance agencies. Low-cost 2007 Chevy HHR insurance can be bought from both online companies as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

People leave their current company for a number of reasons such as questionable increases in premium, delays in paying claims, extreme rates for teen drivers or even lack of trust in their agent. It doesn’t matter what your reason, switching insurance coverage companies can be easier than you think.

In this article, we covered many tips how you can reduce 2007 Chevy HHR insurance premium rates online. The key concept to understand is the more you quote insurance coverage, the better likelihood of getting the cheapest insurance coverage. You may even find the lowest premium rates are with a smaller regional carrier.

Additional insurance coverage information can be read at these links:

• Teen Driving and Texting (State Farm)
• Determing Auto Insurance Rates (Geico)
• What is Covered by GAP Insurance? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)